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  • Icandothisby2023
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    pidge04 wrote: »
    I love a new diary! GOOD LUCK!
    Where do you find you have the most luck selling stuff?

    I'm going to try facebook for bulky stuff and ebay for stuff I think may be worth more / appeal to people further away. No bootsales really on at the moment and not sure i'll have chance to do one when they restart.
    From a tidiness point of view it would be easier to give some of it away to charity etc so some may go that way too.
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Icandothisby2023
    Options
    Lazy day today, but aside from the last £5 of my Christmas money (on a new loom knitting pick) I haven't spent anything. OH bought a little bit of petrol so minimal spends altogether.
    Need to start on the house clearout but leaving that for another day
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Icandothisby2023
    Options
    OH took sandwiches to work, not sure if he spent anything else! I bought him a new pair of jeans to replace a worn out pair
    No hot choc whilst out doing work deliveries. go me!
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Icandothisby2023
    Options
    Resisted the temptation of take away food after a physical day at work. OH took sandwiches again and I didn't buy at work either.
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Icandothisby2023
    Options
    Managing to resist temptation most of the time! Sandwiches taken by OH, no work for me today so chilling at home before little guy goes back to school. Hope to get a little decluttering done too.
    OH wages go in mid month, and mine weekly, not idea with YNAB but I go against the grain and budget for the month before all the money comes in. Seems to work for me. February and March are no council tax months so should give me a bit extra towards the debts.
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Icandothisby2023
    Options
    Here is my SOA as best as i can do it at present. I am hoping by posting this i may get a bit more intereaction as its not much help talking to myself!
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 4

    Monthly Income Details

    Monthly income after tax................ 1200
    Partners monthly income after tax....... 1450
    Benefits................................ 82
    Other income............................ 0
    Total monthly income.................... 2732


    Monthly Expense Details

    Mortgage................................ 398
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 124
    Electricity............................. 40
    Gas..................................... 65
    Oil..................................... 0
    Water rates............................. 21
    Telephone (land line)................... 0
    Mobile phone............................ 43
    TV Licence.............................. 13.2
    Satellite/Cable TV...................... 61.5
    Internet Services....................... 0
    Groceries etc. ......................... 300
    Clothing................................ 20
    Petrol/diesel........................... 40
    Road tax................................ 10
    Car Insurance........................... 35
    Car maintenance (including MOT)......... 10
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 9
    Pet insurance/vet bills................. 55
    Buildings insurance..................... 10
    Contents insurance...................... 10
    Life assurance ......................... 25
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 5
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 20
    Emergency fund.......................... 20
    Personal spending money................. 300
    Total monthly expenses.................. 1634.7



    Assets

    Cash.................................... 600
    House value (Gross)..................... 150000
    Shares and bonds........................ 0
    Car(s).................................. 20000
    Other assets............................ 0
    Total Assets............................ 170600



    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 78000....(398)......3.9
    Total secured & HP debts...... 78000.....-.........-


    Unsecured Debts
    Description....................Debt......Monthly...APR
    Loan...........................12881.....279.......3.9
    Virgin.........................11700.....300.......15.9
    HSB............................3400......100.......16.9
    Barclaycard....................6800......160.......0
    Total unsecured debts..........34781.....839.......-



    Monthly Budget Summary

    Total monthly income.................... 2,732
    Expenses (including HP & secured debts). 1,634.7
    Available for debt repayments........... 1,097.3
    Monthly UNsecured debt repayments....... 839
    Amount left after debt repayments....... 258.3


    Personal Balance Sheet Summary
    Total assets (things you own)........... 170,600
    Total HP & Secured debt................. -78,000
    Total Unsecured debt.................... -34,781
    Net Assets.............................. 57,819


    Created using the SOA calculator at https://www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Naomim
    Naomim Posts: 3,117 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Options
    Here is my SOA as best as i can do it at present. I am hoping by posting this i may get a bit more intereaction as its not much help talking to myself!
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 4 you may already have addressed this.... but 4 cars?

    Monthly Income Details

    Monthly income after tax................ 1200
    Partners monthly income after tax....... 1450
    Benefits................................ 82
    Other income............................ 0
    Total monthly income.................... 2732


    Monthly Expense Details

    Mortgage................................ 398
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 124
    Electricity............................. 40
    Gas..................................... 65
    Oil..................................... 0
    Water rates............................. 21
    Telephone (land line)................... 0
    Mobile phone............................ 43
    TV Licence.............................. 13.2
    Satellite/Cable TV...................... 61.5
    Internet Services....................... 0
    Groceries etc. ......................... 300
    Clothing................................ 20
    Petrol/diesel........................... 40
    Road tax................................ 10
    Car Insurance........................... 35
    Car maintenance (including MOT)......... 10
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 9
    Pet insurance/vet bills................. 55
    Buildings insurance..................... 10
    Contents insurance...................... 10
    Life assurance ......................... 25
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 5 This actually looks a bit low, especially as you have a child. There's always those birthday parties they're invited to and this only comes to £60 a year total
    Haircuts................................ 0 no hair cuts? Mine's not been done for a year but the kids need doing every couple of months
    Entertainment........................... 0 nothing for entertainment or does that come out of personal spending money?
    Holiday................................. 20
    Emergency fund.......................... 20
    Personal spending money................. 300 Any chance this can cut down a bit? MrM & I have £120 each for the month
    Total monthly expenses.................. 1634.7



    Assets

    Cash.................................... 600
    House value (Gross)..................... 150000
    Shares and bonds........................ 0
    Car(s).................................. 20000
    Other assets............................ 0
    Total Assets............................ 170600



    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 78000....(398)......3.9
    Total secured & HP debts...... 78000.....-.........-


    Unsecured Debts
    Description....................Debt......Monthly...APR
    Loan...........................12881.....279.......3.9
    Virgin.........................11700.....300.......15.9
    HSB............................3400......100.......16.9
    Barclaycard....................6800......160.......0
    Total unsecured debts..........34781.....839.......-



    Monthly Budget Summary

    Total monthly income.................... 2,732
    Expenses (including HP & secured debts). 1,634.7
    Available for debt repayments........... 1,097.3
    Monthly UNsecured debt repayments....... 839
    Amount left after debt repayments....... 258.3


    Personal Balance Sheet Summary
    Total assets (things you own)........... 170,600
    Total HP & Secured debt................. -78,000
    Total Unsecured debt.................... -34,781
    Net Assets.............................. 57,819


    Created using the SOA calculator at https://www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.

    To be honest, I'm not sure there is much you can do with this, it looks like you've more or less trimmed down anyway. Did YNAB help with that?

    Naomim
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
  • Icandothisby2023
    Options
    Cars is a bit of a special one! One is family car, the others are classics, with big sentimental value, all tax and mot exempt and very little insurance costs.
    Hair Cuts, my parents tend to pay for LO hair cut. I do hubby's and I might get a trim once a year if i'm feeling in the mood!
    I guess presents is perhaps a little low, but extra would come out of personal spends.
    Entertainment comes from personal spends too.
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Icandothisby2023
    Options
    I know its really soon to change it, have annotated why!
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 1
    Number of cars owned.................... 4 (3 are sentimental classics, all costs cover all vehicles)

    Monthly Income Details

    Monthly income after tax................ 1303 (I am paid weekly, I had worked on a 4 week month but this is a calendar month)
    Partners monthly income after tax....... 1495 (checked what actually comes in)
    Benefits................................ 82
    Other income............................ 0
    Total monthly income.................... 2880


    Monthly Expense Details

    Mortgage................................ 398
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 124 (paid over 10 months, Feb/March I will put this to CC payment)
    Electricity............................. 40 (This and gas are paid together, I need to shop around)
    Gas..................................... 65
    Oil..................................... 0
    Water rates............................. 23
    Telephone (land line)................... 0
    Mobile phone............................ 0
    TV Licence.............................. 13.2
    Satellite/Cable TV...................... 61.5 (covers TV, Phone and internet)
    Internet Services....................... 0
    Groceries etc. ......................... 300
    Clothing................................ 20
    Petrol/diesel........................... 40
    Road tax................................ 10
    Car Insurance........................... 35
    Car maintenance (including MOT)......... 10
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 9
    Pet insurance/vet bills................. 55 (will be changing pet insurance if I've not needed to claim before this policy expires)
    Buildings insurance..................... 10
    Contents insurance...................... 10
    Life assurance ......................... 25
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 5
    Haircuts................................ 0 (see comment in post above)
    Entertainment........................... 100
    Holiday................................. 30
    Emergency fund.......................... 20
    Personal spending....................... 250
    Total monthly expenses.................. 1653.7



    Assets

    Cash.................................... 600
    House value (Gross)..................... 150000 (house may be worth more but not in position to move so haven't checked value recently)
    Shares and bonds........................ 0
    Car(s).................................. 20000
    Other assets............................ 0
    Total Assets............................ 170600



    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 78000....(398)......3.9
    Total secured & HP debts...... 78000.....-.........-


    Unsecured Debts
    Description....................Debt......Monthly...APR
    Loan...........................12881.....275.......3.9
    Virgin.........................11700.....300.......15.9 (payment figure is more than minimum on all cards, but is the amount I definitely pay)
    HSB............................3400......100.......16.9
    Barclaycard....................6800......160.......0 (0% until May 2021)
    Total unsecured debts..........34781.....835.......-



    Monthly Budget Summary

    Total monthly income.................... 2,880
    Expenses (including HP & secured debts). 1,653.7
    Available for debt repayments........... 1,226.3
    Monthly UNsecured debt repayments....... 835
    Amount left after debt repayments....... 391.3


    Personal Balance Sheet Summary
    Total assets (things you own)........... 170,600
    Total HP & Secured debt................. -78,000
    Total Unsecured debt.................... -34,781
    Net Assets.............................. 57,819


    Created using the SOA calculator at https://www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.
    Total card debt £21900 12/2019
    Proper add up 28/12/2019 £21750
  • Naomim
    Naomim Posts: 3,117 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Options
    Cars is a bit of a special one! One is family car, the others are classics, with big sentimental value, all tax and mot exempt and very little insurance costs.

    Do you do anything with them? Can they make you money at all? photo shoots, weddings, trade fairs, rallys?

    Naomim
    Credit Cards NOV 2019 £33,220.42 Sept 2023 £19,951.00 Tilly Tidy 20223/COLOR] Sept £43.71 Here's my diary: A Ditherer's Diary Again
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